Finance Toolkit

Model how offset contributions and lump-sum windfalls accelerate your mortgage payoff across multiple scenarios.

Compare two mortgages side by side — rates, terms, offset vs. no offset, P&I vs. interest only.

Enter what you can afford to repay each week, fortnight, or month and find the maximum loan you could service.

Analyse an investment property's pre and post-tax yield, negative gearing benefit, and net cash position.

Calculate stamp duty for any Australian state. Supports owner-occupier, investor, and first home buyer concessions.

Find the break-even horizon where buying beats renting, accounting for stamp duty, opportunity cost, and growth.

Estimate your maximum loan size based on income, expenses, and existing liabilities.

Should spare cash go into your offset or the market? Compare guaranteed tax-free returns against after-tax investment growth.

Model lump sum and regular contributions compounding over time. Toggle super vs. non-super tax treatment.

Track assets and liabilities across home equity, super, investments, cash, and debt. Saved to your browser.

Calculate your path to financial independence. Enter savings rate, net worth, and target annual spend to find your FI date.

Model take-home pay under different super contributions and salary sacrifice. Includes Medicare levy and offsets.